About 2-3 years ago I was unsure about taking it.
But what pushed me to do it was more research and then learning unless I did take T the majority of masculinizing effects would never be seen or felt by myself or others. Having taken T now, I know that's the case, at least it was for me.
The other thing that pushed me to do it was learning that I required HRT in any case. Whether female or male - my levels of T or E were just too low for good health anyway, and I was feeling the effects of it. I knew E never did me much good, and at least T would fix some of the health problems associated with low T and E and would give me the effects I wanted. In hindsight, I felt like one of those stray mutts they find caked in mud and looking like it might slowly deteriorate in health regardless, compared to how I feel now. The hormones have put me back in good physical health, and the T has improved my mental state in more ways than I can explain.
I knew I'd never get the voice, the musculature, the face structure, etc. without taking it. I found I was prepared to take the risks to have a new shot at life. So far, everything has only improved on T.
Hairloss is always a risk I guess, but my dad and grandfathers on both sides all kept their hair (hell, my surviving gramps has a better hairline than most 40 yr olds I know) so it'll be extreme bad luck I guess if I don't turn out the same. I wasn't hot on facial hair myself in the past but I've found myself not minding it since starting T. It's normal, it's something every other guy deals with and if you don't like it you can remove it. My lower voice and increased strength and stamina (and healing ability apparently) is definitely a plus. Haven't felt good about myself in a long time till now - it's almost an alien feeling to feel proud of one's body, but it's a damn good feeling.